09-08-2011 09:14 AM
I finally received a pre-approval letter from discover after more than 7yrs of rebuilding my credit after a BK. I've been wanting a Discover for a while and want to apply, but hesistant because I'm currently waiting for a dispute with EQ to finalize and have a baddie removed which should not be there. It dropped my score from 714 to 677 on my EQ score. I was so upset when it showed up this month out of the blue when it is false info. TU and EX are both above 700. Anyway, would just like to know what Discover pulled for people on here. I am aware that it could be different depending on the area you live in so anyone in oregon would be very helpful.
09-08-2011 10:06 AM
For myself and all I can remember reading here Discover pulls TU.
09-08-2011 10:12 AM
Pulled TU for me last week in PA. Good Luck!
09-08-2011 11:02 AM
I haven't had a Discover card for awhile but, when I did, Equifax is the only CRA that ever reported anything, and, in fact, it is STILL reporting years and years after the fact. Oh BTW, I'm in California.
09-08-2011 12:24 PM
They pulled EX for me when I applied, but they pull TU when I ask for a CLI
09-08-2011 12:49 PM
Thanks for all your replies...seems that here on the west coast they pull EQ, it's funny how it changes based on your geographical location...or could it be that it is just a random draw on which CR they pull. Guess the best thing for me to do is just wait for the dispute to be resolved with EQ before applying...The pre-approval expires on the 30th and the dispute is estimated to be resolved by the 26th so hopefully it does not take the full 45days, otherwise I'm out of luck.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.